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Amelia Josephson

Mortgage, Home Buying and Credit Card Expert

Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia's work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.

Posts by Amelia Josephson:

by Amelia Josephson Apr 06, 2022

We all know that it’s hard to become a high-earner in this country without a college degree. This can make it hard to save for retirement or meet other financial goals. Access to the middle class is increasingly reserved for those with some higher education under their belts. Let’s take a closer look at the average salary by education level to see what dividends education pays. Consider working with a financial advisor as you plan how to fund college or vocational training. Read more

by Amelia Josephson Feb 28, 2017

If you’re thinking of moving to Chicago, you might be wondering whether it’s a good place to raise a family. To help you answer that question, let’s take a look at some of the features of family life in the Windy City, including child care costs and housing costs.  Read more

by Amelia Josephson Aug 21, 2019

Credit cards can be a useful tool for managing your finances and accruing rewards. If you have credit card debt, you may be wondering whether a balance transfer could help you cut down on the interest you’re paying on your credit card balance(s). In addition, if you’re behind on payments, you may be paying a penalty APR. Read on to learn about penalty APRs and why they can pose a serious financial challenge for cardholders.  Read more

by Amelia Josephson Feb 23, 2017

Houston boasts a diverse population and a lower cost of living than many other large U.S. cities. People are flocking to the Texas city. The U.S. Census Bureau found that Greater Houston experienced… Read more

by Amelia Josephson Aug 25, 2022

The answer to how your earnings compare to others in your age group largely depends on where you live and what you do. But knowing the median salary of people the same age can tell you if you’re… Read more

by Amelia Josephson Feb 22, 2017

There’s a lot of uncertainty surrounding the future of the individual health insurance marketplace. One of the plans for replacing the Affordable Care Act is establishing high-risk pools for health… Read more

by Amelia Josephson Dec 08, 2017

Raising a family in this country isn’t cheap. According to the USDA, the average cost to raise a child is $233,610. That includes food, shelter and other necessities. It doesn’t include the cost of… Read more

by Amelia Josephson Dec 08, 2017

Chicago is the third-largest city in the U.S., with a diverse population and a diverse economy to match. Financial services, engineering and publishing are some of the biggest industries in the Windy… Read more

by Amelia Josephson Feb 16, 2017

If the Affordable Care Act (ACA) is repealed, we could return to a world in which health insurance companies can deny applicants coverage or charge higher premiums if applicants have pre-existing… Read more

by Amelia Josephson Oct 01, 2022

The median pay for a flight attendant was $56,000 in 2018, according to the latest data by the Bureau of Labor Statistics (BLS). That figure climbs above the national average. You’d likely need just… Read more

by Amelia Josephson Oct 01, 2022

Thinking about moving to Los Angeles for the beautiful weather, diverse population and access to California’s natural beauty? Well, unless you’re retired, a student or independently wealthy you’ll… Read more

by Amelia Josephson Feb 08, 2017

Just before the end of the Obama administration, outgoing Secretary of Housing and Urban Development (HUD) Julian Castro announced that the Federal Housing Administration (FHA), would be lowering… Read more

by Amelia Josephson Oct 08, 2020

The average police officer salary is higher than you might expect. The median annual salary of a police officer is $65,400. Being a police officer comes with risks, but it can also be a financially… Read more

by Amelia Josephson Aug 21, 2019

Life insurance is an important part of financial planning. It becomes increasingly important as people get older and begin to think about ensuring the care of their family after they die. However,… Read more

by Amelia Josephson Jun 19, 2018

Thinking about working in New York? There are some features of work life in the Big Apple that set it apart from the work culture in other cities. Is it true that if you can make it there you can… Read more

by Amelia Josephson Oct 20, 2022

Each of the three major credit bureaus evaluates credit scores differently, with each score falling into a specific range. However, the most commonly used basis for these credit scores was created by… Read more

by Amelia Josephson Jun 25, 2018

The average salary of an architect is $76,100 per year. Have you ever wondered how much an architect earns? Becoming an architect requires an investment of money and time, but pays off in the form of… Read more

by Amelia Josephson Sep 01, 2022

Going from renting to buying is a high priority for many Americans. We’ve all been taught that homeownership is a key piece of the American dream. But if you’re between jobs, is homeownership out of… Read more

by Amelia Josephson Aug 20, 2018

Thinking of moving to Pittsburgh? You’re part of a rare breed. The Pittsburgh Post-Gazette reported in March 2016 that, per U.S. Census Bureau data, “among the nation’s 30 largest metropolitan areas,… Read more

by Amelia Josephson Jan 25, 2017

The average salary of a physical therapist is $84,020 per year. If you’ve ever undergone physical therapy you know how important the work of physical therapists is. The job of a physical therapist is… Read more

by Amelia Josephson Jul 23, 2019

. If you’ve been to the pharmacy lately, you may have found yourself wondering how much pharmacists make. Being a pharmacist, at least at the retail level, involves a lot of standing, long shifts and… Read more

by Amelia Josephson Oct 20, 2022

The Steel City is known for its industrial history and its scrappy charm. Pittsburgh has also become popular due to its affordability for young creatives priced out of other cities, which has… Read more

by Amelia Josephson Sep 21, 2022

Thinking of moving to Michigan? With a population of just under 10 million, the Great Lakes State has a lot to offer, from affordable housing to stunning landscapes. The state’s economy has had its… Read more

by Amelia Josephson Jul 23, 2019

The job of an airline pilot has a certain glamour to it. However, unconventional working hours and plenty of time away from home can be a recipe for stress and burnout. This could be why airline and… Read more

by Amelia Josephson Jul 05, 2018

According to the U.S. Census Bureau, the average American spends roughly 26 minutes commuting by car from their homes to their workplaces. That means we’re collectively spending billions of hours on… Read more